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All Journal Jurnal Sistem Informasi, Akuntansi dan Manajemen Indonesian Journal of Innovation Multidisipliner Research
Dian Sasmita Pasaribu
Universitas Negeri Medan
Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Dampak Ekspansi Ritel Modern Terhadap Keberlangsungan UMKM di Kabupaten Dairi: Tantangan dan Strategi Dalam Perekonomian Indonesia Daud Frandes Sianturi; Nadine Winata Silitonga; Joice Lwisa Nababan; Dian Sasmita Pasaribu
Jurnal Sistem Informasi, Akuntansi dan Manajemen Vol. 6 No. 2 (2026): Sintama: Jurnal Sistem Informasi Akuntansi dan Manajemen (Mei 2026)
Publisher : Asosiasi Dosen Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54951/sintama.v6i2.1426

Abstract

The expansion of modern retail in Dairi Regency has raised concerns regarding the sustainability of local Micro, Small, and Medium Enterprises (MSMEs). This study aims to analyze the impact of this expansion on MSME performance and evaluate adaptive strategies that can be implemented. This research employs a literature study method by collecting secondary data from various sources, such as academic journals and government reports. The findings indicate that the expansion of modern retail can have negative impacts on the income of Micro, Small, and Medium Enterprises (MSMEs), a reduction in job opportunities, and a weakening of the local economy. However, by adopting adaptive strategies such as digital transformation, product quality improvement, and strategic collaboration, MSMEs can enhance their competitiveness. The implementation of supportive government policies also plays a crucial role in maintaining MSME sustainability amidst competition with modern retail
Pengaruh Tingkat Suku Bunga BI Rate Dan Dana Pihak Ketiga Perbankan Terhadao Realisasi Investasi (PMDN) Di Sumatera Utara Fitriya Lestari; Intan Intan; Jesslyn Nathania Sibarani; Rona Zalfa Aulia; Dian Sasmita Pasaribu
Indonesian Journal of Innovation Multidisipliner Research Vol. 4 No. 3 (2026): Juli - September
Publisher : Institute of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijim.v4i3.1151

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh tingkat suku bunga BI Rate dan Dana Pihak Ketiga (DPK) perbankan terhadap realisasi Investasi Penanaman Modal Dalam Negeri (PMDN) di Provinsi Sumatera Utara. Penelitian menggunakan data sekunder triwullan periode 2015-2020 dengan pendekatan kuantitatif asosiatif. Analisis dilakukan menggunakan regresi linier berganda dengan bantuan perangkat lunak SPSS. Hasil uji asumsi klasik menunjukkan bahwa data berdistribusi normal (Asymp. Sig. = 0,664), bebas dari multikolinearitas (VIF = 1,789), dan bebas dari autokorelasi (Durbin- Watson = 1,826). Hasil persamaan regresi menunjukkan suku bunga BI Rate berpengaruh negative terhadap PMDN (koefisien = -0,640), Sementara DPK tidak memberikan dampak perubahan (koefisien = 0,000). Secara parsial, kedua variabel berpengaruh signifikan terhadap PMDN (Sig. = 0,000) < 0,05). Secara simultan, BI Rate dan DPK berpengaruh signifikan terhadap PMDN (F = 0,440; Sig, = 0,006). Koefisien determinasi R2 sebesar 0,773 menunjukkan bahwa 77,3% variasi PMDN dapat dijelaskan oleh kedua variabel tersebut. Temuan ini mengimplemtasikan pentingnya kebijakan suku bunga yang kondusif dalam mendorong investasi daerah.
Co-Authors Daud Frandes Sianturi Fitriya Lestari Intan Intan Jesslyn Nathania Sibarani Joice Lwisa Nababan Nadine Winata Silitonga Rona Zalfa Aulia